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Why was I rejected for a credit card?
Discover why credit card rejections happen, how you can prevent it and what to do if you are rejected for a credit card.
4 min read
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Find out everything you need to know about credit cards, your eligibility and how to get approved. It can be tricky to understand the difference between credit card types and determine which one is right for you. Read our well-researched, easy-to-understand guides to become an expert in no time.
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- Category: Credit Card
Quick ways to improve your credit score
Don’t worry if your credit score is low. There are easy ways to boost your score right now, and other actions that could improve it in the next few months.
Read articleArticle written by Emma Lunn
5 min read
- Category: Credit Card
How long should you wait between credit card applications?
Waiting for the right amount of time between credit card applications can help boost your chances of being approved. Find out how long you should be waiting and why.
Read articleArticle written by Fiona Peake
3 min read
- Category: Credit Card
What is a balance transfer credit card?
Balance transfer cards could help you save money on interest or consolidate your debt. However, there are many things to consider before deciding whether a balance transfer card is right for you.
Read articleArticle written by Fiona Peake
7 min read
- Category: Credit Card
How old do you have to be to get a credit card?
Wondering when to apply for a credit card? Get tips on the right age to do it and steps to take for your first card.
Read articleArticle written by Fiona Peake
4 min read
- Category: Bad Credit
Can I get a credit card if I'm bankrupt?
If you’re considering filing for or have been declared bankrupt, it’s unlikely you’ll be able to get credit. However, there are other ways of repairing your credit history.
Read articleArticle written by Josephine Haagen
6 min read
- Category: Credit Card
Credit cards for students
If you're a student and looking to get your first credit card, read on to find out how credit cards work, and if they’re right for you.
Read articleArticle written by Josephine Haagen
6 min read
- Category: Credit Card
What is credit card pre-approval and how does it work?
Getting pre-approved for a credit card can feel like a win. Discover what you can do to improve your chances of being pre-approved, and what it means if you are.
Read articleArticle written by Fiona Peake
4 min read
- Category: Credit Card
Can I get a credit card if I'm unemployed?
If you’re unemployed and looking to apply for a credit card, make sure you read our guide on things to consider and what solutions are available.
Read articleArticle written by Adele Kitchen
6 min read
- Category: Credit Card
Can I get a credit card if I'm retired?
If you’re retired or are close to retiring and want to know how this will affect applying for a credit card, Ocean has all the information you need.
Read articleArticle written by Adele Kitchen
5 min read
- Category: Bad Credit
Can I get a credit card if I’ve had an IVA?
If you have an IVA, you’re usually not allowed to borrow over £500. However, you may have alternative options after your IVA.
Read articleArticle written by Josephine Haagen
5 min read
- Category: Credit Card
What is an introductory rate?
Introductory rates can help you save money on interest, but there are a few different introductory offers you could get. Read on to find out how to make the most out of your credit card offers.
Read articleArticle written by Fiona Peake
5 min read
- Category: Credit Card
Why should I use a credit card?
Find out all the reasons you should use a credit cards, how it can help your credit score and everything else you need to know.
Read articleArticle written by Alice Williams
6 min read
- Category: Credit Card
How you can be smart with your credit card - 10 tips
Want to build your credit score and avoid interest charges? Learn how to use your credit card smartly with 10 top tips from Ocean Finance.
Read articleArticle written by Adele Kitchen
4 min read
- Category: Credit Card
Can a freelancer get a credit card?
Find out if it’s possible to get a credit card as a freelancer and if you should consider getting a small business credit card or a personal card.
Read articleArticle written by Adele Kitchen
5 min read
- Category: Credit Card
Hard vs soft credit checks – what’s the difference?
Hard credit checks are visible to organisations looking in-depth at your credit history. Soft credit searches are only visible to you.
Read articleArticle written by Emma Lunn
6 min read
- Category: Credit Card
What is a credit score?
Your credit score has a major impact on whether you will be eligible to borrow money and the interest rate you’ll be charged. Find out how to check and improve your credit score.
Read articleArticle written by Emma Lunn
5 min read
- Category: Credit Card
Should I pay off my loan or credit card first?
Work out which debt is a priority and save on interest and charges. Learn if you should pay off your loan or credit card first with Ocean Finance.
Read articleArticle written by Jimmy Coultas
9 min read
- Category: Bad Credit
Why is my credit score low?
Several things can have a negative impact on your credit score. Find out what could be causing yours to drop and how to fix it.
Read articleArticle written by Josephine Haagen
8 min read
- Category: Credit Card
What are the documents required for a credit card?
Find out exactly what documents you’ll need to apply for a credit card online or in person. Here are the details UK banks and providers need for your application.
Read articleArticle written by Sarah Neate
5 min read
- Category: Credit Card
Can I get a credit card with a CCJ?
If you have a CCJ or bad credit history, your options for finance will be limited. However, may still be eligible for a credit card if you show lenders you can borrow responsibly.
Read articleArticle written by Josephine Haagen
5 min read
- Category: Bad Credit
5 ways to borrow money with bad credit
If you are struggling to borrow money with bad credit, there may still be loans and credit cards available to you. Read on to find the borrowing option for you.
Read articleArticle written by Josephine Haagen
6 min read
- Category: Credit Card
What to do if you can’t pay credit card debt
Struggling to keep up with your credit card payments? Learn what happens if you can’t pay, how to act quickly, and the steps to regain control of your finances.
Read articleArticle written by Fiona Peake
4 min read
- Category: Credit Card
What is APR on a credit card?
Understand APR and how it affects your credit card costs, as well as ways you can improve your chances of being accepted for a lower rate.
Read articleArticle written by Fiona Peake
3 min read
- Category: Credit Card
Can you lower your credit card interest rate?
Learn how to lower your credit card interest by improving your credit score, negotiating with your issuer, and using balance transfer cards.
Read articleArticle written by Fiona Peake
3 min read
- Category: Credit Card
How long does it take to get a credit card?
Learn how long it takes to get approved for a credit card, and how long you can expect to wait until your card arrives. Plus, things you can do to speed up the process.
Read articleArticle written by Fiona Peake
3 min read
- Category: Bad Credit
Should I get a loan or a credit card if I have bad credit?
If you need to borrow but have bad credit, you may be looking into a loan or a credit card. Find out which fits your needs in this guide.
Read articleArticle written by Josephine Haagen
6 min read
- Category: Credit Card
Will I be accepted for a credit card?
See what you can do to boost your chances of being accepted for a credit card, and what things lenders look out for.
Read articleArticle written by Fiona Peake
5 min read
- Category: Credit Card
How to get a credit card for the first time
Find out all you need to know about getting your first credit card, how to apply and what will happen in the process.
Read articleArticle written by Fiona Peake
5 min read
- Category: Credit Card
How to get a credit card
Learn what to check for when applying for a credit card, how to prepare and increase your chances of being approved, and what to do if you are rejected.
Read articleArticle written by Fiona Peake
5 min read
- Category: Credit Card
Can I take cash out with a credit card?
Withdrawing cash using your credit card is known as a cash advance and comes with high interest and fees. See how much a cash advance could cost and what the alternatives could be.
Read articleArticle written by Fiona Peake
3 min read
- Category: Credit Card
How to cancel a credit card
Learn how to cancel a credit card with ease and the steps to take before you do. Understand the potential effects on your credit score and explore options like balance transfer cards to help manage your debt.
Read articleArticle written by Fiona Peake
2 min read
- Category: Credit Card
What is the minimum payment on your credit card?
Learn the importance of making the minimum payment on your credit card. Find out how it works, why paying more is better, and how to manage payments to avoid extra interest and debt.
Read articleArticle written by Fiona Peake
4 min read
- Category: Credit Card
What is a credit card limit?
Learn how credit card limits work, what affects your limit, how to request an increase, and tips for managing it responsibly to protect your credit score.
Read articleArticle written by Fiona Peake
3 min read
- Category: Credit Card
Can you be in credit on a credit card?
Find out how you can end up being in credit on your credit card, and why it’s not necessarily a good thing.
Read articleArticle written by Fiona Peake
4 min read
- Category: Bad Credit
What to do if you have a CCJ
If you find a surprise County Court Judgement on your credit report, don’t ignore it. Read on to find out the steps you need to take to deal with a CCJ.
Read articleArticle written by Adele Kitchen
6 min read
- Category: Credit Card
What happens if you miss a credit card payment?
Find out what happens if you miss a credit card payment and learn how you can fix the mistake without affecting your score in our handy guide.
Read articleArticle written by Adele Kitchen
4 min read
- Category: Credit Card
Do I have to pay my credit card in full every month?
You don’t need to pay off your full credit card balance every month, but you’ll be charged interest if you don’t. Find out more in our quick guide.
Read articleArticle written by Jimmy Coultas
4 min read
- Category: Credit Card
Can my credit card get declined?
Yes - your credit card can get declined just like a debit card. Find out the reasons why and learn what to do if your card is declined in our helpful guide.
Read articleArticle written by Adele Kitchen
5 min read
- Category: Bad Credit
How to remove mistakes from your credit report
Found an error on your credit report? Keeping your file up to date can help improve your score. Find out how to fix mistakes on your report here.
Read articleArticle written by Josephine Haagen
6 min read
- Category: Credit Card
Can I freeze my credit card?
Yes, you can freeze your credit card to prevent fraud, control spending, or manage financial difficulties. Learn the steps, reasons, and how freezing your card affects your credit score.
Read articleArticle written by Fiona Peake
6 min read
- Category: Credit Card
How does credit card interest work?
Learn how credit card interest works and the things you can do to reduce how much you pay in fees and interest.
Read articleArticle written by Fiona Peake
5 min read
- Category: Credit Card
What is an annual fee?
Wondering how to find out more about annual fees and what kind of rewards come with them? We explain everything you need to know in plain English.
Read articleArticle written by Fiona Peake
3 min read
- Category: Credit Card
How can you improve your credit score?
Wondering how you can improve your credit score and your chances of getting approved for credit? We’ve put together seven top tips to help.
Read articleArticle written by Adele Kitchen
6 min read
- Category: Credit Card
How to check your credit score
Find out how and where to check your score, what to look for and what’s important. Discover what else is in your credit report.
Read articleArticle written by Fiona Peake
4 min read
- Category: Credit Card
What is a good credit score?
The higher your credit score, the better. A good credit score with TransUnion is above 604, with Equifax above 531, and with Experian above 881.
Read articleArticle written by Emma Lunn
5 min read
- Category: Credit Card
What is Section 75 protection?
Section 75 protects credit card purchases between £100 and £30,000, allowing you to claim a refund if something goes wrong. Find out how it works, when it applies, and what protection is available outside of Section 75.
Read articleArticle written by Fiona Peake
6 min read
- Category: Credit Card
What is Mastercard Identity Check?
Did you know that there’s a free way to safeguard your Mastercard debit and credit cards when shopping online? We explain all in our helpful guide.
Read articleArticle written by Adele Kitchen
3 min read
- Category: Credit Card
Credit card charges and fees explained
Understanding the different types of credit card fees and interest charges can help you to avoid unnecessary expenses. Learn how to make the most of your credit card with our guide.
Read articleArticle written by Fiona Peake
6 min read
- Category: Credit Card
The advantages and disadvantages of credit cards
Are you thinking about taking out a credit card? Find out the pros and cons before you apply to make sure you’re making the right decision for you.
Read articleArticle written by Fiona Peake
6 min read
- Category: Credit Card
What is a prepaid card?
We look at the ins and outs of prepaid cards, what you should use them for and if they impact your credit score.
Read articleArticle written by Alice Williams
5 min read
- Category: Credit Card
Making home improvements and how to pay for them
If you want to make some home improvements, but don’t have enough to cover the cost, you can use a credit card. However, there are a few things to consider.
Read articleArticle written by Alice Williams
6 min read
- Category: Credit Card
How to keep your credit cards safe
Here is a rundown of how to reduce your credit card security risks and what you should look out for when shopping both on and offline.
Read articleArticle written by Adele Kitchen
4 min read
- Category: Credit Card
How to report a lost or stolen credit card
Reporting your credit card as lost or stolen is simple. Find out how, as well as tips to keep your cards safe.
Read articleArticle written by Adele Kitchen
4 min read
- Category: Credit Card
What is a credit card?
Find out the ins and outs of a credit card and whether getting one is the right thing for you.
Read articleArticle written by Alice Williams
5 min read
- Category: Credit Card
Financing a vocational training course
This guide will help you understand what different options you have when it comes to funding a vocational training course.
Read articleArticle written by Alice Williams
5 min read
- Category: Credit Card
What is an interest-free period?
Discover how interest-free periods on credit cards work, how long they typically last, plus tips to maximise their benefits to avoid paying interest.
Read articleArticle written by Fiona Peake
5 min read
- Category: Credit Card
Credit cards for the self-employed
Being self-employed doesn’t have to be the end of your credit card road. Discover what your employment status means and lots of application-boosting tips here.
Read articleArticle written by Fiona Peake
6 min read
- Category: Credit Card
What is a charge card?
Find out what a charge card is and what makes it different to a credit card. Make sure you know which one is the right choice for you.
Read articleArticle written by Alice Williams
4 min read
- Category: Credit Card
Can you have more than one credit card?
Explore the pros and cons of holding multiple cards, from building your credit score to managing different payment dates. Make sure to weigh the benefits and risks before applying for more cards.
Read articleArticle written by Fiona Peake
5 min read
- Category: Credit Card
Should I get a credit card?
Deliberating over whether to take out a credit card? We’ve put together a summary of the most important information you need to know, to help you come to a decision.
Read articleArticle written by Sarah Neate
7 min read
- Category: Credit Card
What do you need to apply for a credit card?
In this day and age applying for a credit card is easy, but there’s still a lot to bear in mind. We’ve aimed to cover all of the most important points here.
Read articleArticle written by Sarah Neate
5 min read
- Category: Credit Card
A guide to credit cards for part-time workers
Do you work part-time but you’re not sure if you'll get accepted for a credit card? Read our guide to applying for a credit card with a part-time job here.
Read articleArticle written by Sarah Neate
6 min read
- Category: Credit Card
What is credit?
If you’re unclear on what credit is, here’s a rundown of the main types of credit that are available.
Read articleArticle written by Sarah Neate
6 min read
- Category: Credit Card
Can I pay off credit card debt with a credit card?
If you’re looking to pay off your existing credit card debt with a credit card, make sure you read our in-depth guide to learn the ins and outs.
Read articleArticle written by Verity Hogan
5 min read
- Category: Credit Card
How to protect yourself from credit card fraud
Keep yourself safe from credit card fraud by reading our guide on the steps you can take, what to look out for and what to do if the worst happens.
Read articleArticle written by Adele Kitchen
6 min read
- Category: Credit Card
What is credit card utilisation?
Learn more about credit card utilisation as well as how it affects you and your credit score in our comprehensive guide.
Read articleArticle written by Adele Kitchen
5 min read
- Category: Credit Card
How do I consolidate my credit card debt?
Consolidating your credit card debt can make payments more manageable but there are things to consider – we explain the available options.
Read articleArticle written by Adele Kitchen
6 min read
- Category: Credit Card
Choosing the right credit card for you
Credit cards can be a little confusing if you’re not sure which kind to get. We at look the different types available and how you can choose the right option.
Read articleArticle written by Adele Kitchen
5 min read
- Category: Credit Card
Is a corporate card the same as a business card?
If you're considering using a credit card for your business, it's best to make sure you're using the correct type. Read on to find out how corporate cards and business cards differ.
Read articleArticle written by Fiona Peake
6 min read
- Category: Credit Card
How many credit cards should a small business have?
Is a small business credit card something you've been considering? Read on to find out how many you can have at any one time
Read articleArticle written by Fiona Peake
5 min read
- Category: Credit Card
Can I fund a startup with a credit card?
There are a number of different ways to fund your startup business, but could a credit card be a good place to start? Read on to find out.
Read articleArticle written by Fiona Peake
6 min read
- Category: Credit Card
A guide to credit card charges for businesses
Find out about the main business card charges associated with processing credit card payments.
Read articleArticle written by Adele Kitchen
6 min read
- Category: Credit Card
Can I use a personal credit card for business?
Find out the difference between a personal credit card and a business credit card and if you can use a personal credit card for business purposes or not.
Read articleArticle written by Fiona Peake
6 min read
- Category: Credit Card
Can I get a business credit card as a sole trader
Your essential guide explaining the steps you need to take to get a business credit card if you are a sole trader and the advantages and disadvantages of doing so.
Read articleArticle written by Fiona Peake
5 min read
- Category: Credit Card
What is a business credit card?
Wondering whether a business credit card could be right for you? Find out what sort of business purchases you could make with a business credit card and how to go about getting one.
Read articleArticle written by Fiona Peake
6 min read
- Category: Credit Card
How to apply for a business credit card
Whether you're an established business or just starting out, having a business credit card could offer some benefits. Find out whether a business credit card if right for you and how to get one.
Read articleArticle written by Fiona Peake
7 min read
- Category: Credit Card
Are business credit cards personally guaranteed?
Unless you're own a large established business, the chances are you will need a personal guarantee in order to get a business credit card. Find out what this means and whether you will need one.
Read articleArticle written by Fiona Peake
6 min read
- Category: Credit Card
How to get a business credit card for a new business
Find out how to apply for a business credit card if you have a new business. If you’re running a startup, sole trader or brand new company, follow our five steps to help you get approved for a business credit card..
Read articleArticle written by Fiona Peake
6 min read
- Category: Credit Card
Does being self-employed affect your credit rating?
Find out if being a sole trader or taking out a business credit card impacts your credit score. Plus how to apply for a business credit card of you're self-employed.
Read articleArticle written by Fiona Peake
5 min read
- Category: Bad Credit
Can I get a business credit card with bad credit?
Getting a business credit card can be harder if you've got less than perfect credit, but it isn't impossible. Find out what you need to consider before applying for a business credit card.
Read articleArticle written by Fiona Peake
6 min read
- Category: Credit Card
Do business credit cards build credit?
A business card can be one way to improve your personal credit score, but this depends how responsibly you use it. Find out whether a business credit card is the best option for you.
Read articleArticle written by Fiona Peake
5 min read
- Category: Credit Card
What can you put on a business credit card?
Find out what you can and can't use your business credit card for.
Read articleArticle written by Adele Kitchen
6 min read
- Category: Credit Card
Should I have a business credit card?
Find out the pros and cons of getting a business credit card.
Read articleArticle written by Adele Kitchen
5 min read
- Category: Credit Card
What do you need for a business credit card?
Discover how to qualify for a business credit card and how to find the best card for you.
Read articleArticle written by Adele Kitchen
7 min read
- Category: Credit Card
How to use a business credit card
Follow these tips to get the most out of your small business credit card.
Read articleArticle written by Adele Kitchen
6 min read
- Category: Credit Card
Can a startup business get a credit card?
Find out if you’re eligible for a startup business credit card and how to go about choosing the right one.
Read articleArticle written by Adele Kitchen
5 min read
- Category: Credit Card
How to set up credit card processing for a small business
How to set up credit card processing for a small business | Ocean Finance
Read articleArticle written by Adele Kitchen
5 min read
- Category: Credit Card
What can I use my credit card for?
Credit cards - what can you use them for? Read on to find out five things you could pay for with a credit card in this Ocean Finance guide.
Read articleArticle written by Fiona Peake
4 min read
- Category: Credit Card
Can you pay bills with a credit card?
Should you pay your bills with a credit card? Get info on paying your home, utility and entertainment bills with your card in our Ocean Finance guide.
Read articleArticle written by Fiona Peake
4 min read
- Category: Credit Card
Should you close an unused credit card?
Wondering if you should close an unused credit card? Learn how keeping or closing your card can impact your credit score, fraud risk, and future mortgage applications.
Read articleArticle written by Fiona Peake
4 min read
- Category: Credit Card
How do I know when to pay my credit card?
Avoid interest and charges by knowing when you should pay your credit card bill. Learn more in this handy guide from Ocean Finance.
Read articleArticle written by Fiona Peake
5 min read
- Category: Credit Card
How to pay off large credit card debt?
If you have large amounts of debt, you might feel like you'll never pay it off. Read our top seven tips to see how you can pay off big bills quickly.
Read articleArticle written by Fiona Peake
5 min read
- Category: Credit Card
Can I get a credit card as a new UK resident?
Just moved to the UK and planning to apply for a credit card? There are ways to improve your chances of being accepted when you arrive.
Read articleArticle written by Josephine Haagen
3 min read
- Category: Credit Card
Does being on the electoral roll improve your credit score?
Being on the electoral roll will boost your credit score. Find out how to get on the electoral roll and how to check your voting registration shows on your credit report.
Read articleArticle written by Emma Lunn
5 min read
- Category: Credit Card
How long does it take to improve your credit score?
Some actions can improve your credit score in months, while others will take longer. Making payments on time and having utility bills in your name will boost your score.
Read articleArticle written by Emma Lunn
5 min read
- Category: Credit Card
How to use a credit card to improve your credit score
Making regular transactions on a credit building credit card and paying the bill in full each month can boost your credit score.
Read articleArticle written by Emma Lunn
4 min read
- Category: Credit Card
What is a balance transfer fee?
You could save money on interest, combine your debts and pay off what you owe faster with a balance transfer card. See how these fees affect your financial goals before applying.
Read articleArticle written by Fiona Peake
3 min read
- Category: Credit Card
What happens to your old credit card after a balance transfer?
Learn what happens to your old credit card after a balance transfer. Understand its impact on your credit score and get tips for managing the transition smoothly.
Read articleArticle written by Fiona Peake
3 min read
- Category: Credit Card
Balance transfer card vs. money transfer card: what's the difference?
Balance transfer cards cut credit card debt with lower rates, while money transfer cards provide cash to your bank for a range of needs. Learn which card is right for you.
Read articleArticle written by Fiona Peake
4 min read
- Category: Credit Card
How long does a balance transfer take?
Find out how long it takes to transfer balances between credit cards and get tips to make it quicker and easier.
Read articleArticle written by Fiona Peake
4 min read
- Category: Credit Card
Can you balance transfer someone else’s credit card?
You might be able to do a balance transfer for someone else, but there are some things to consider. Learn what you can expect if you’re looking to balance transfer from someone else’s credit card.
Read articleArticle written by Fiona Peake
5 min read
- Category: Credit Card
What factors affect your credit score?
Your payment history, debts and repayments, credit utilisation ratio, financial associates and hard credit checks all affect your credit score.
Read articleArticle written by Emma Lunn
4 min read
- Category: Credit Card
Does your overdraft affect your credit score?
Having an overdraft on your current account is unlikely to significantly affect your credit score. The way you manage your overdraft could have an impact on your score.
Read articleArticle written by Emma Lunn
5 min read
- Category: Credit Card
Does Buy Now Pay Later (BNPL) affect your credit score?
Most Buy Now Pay Later companies report payment information to credit reference agencies. This means using BNPL schemes such as Klarna will affect your credit score.
Read articleArticle written by Emma Lunn
4 min read
- Category: Credit Card
Does switching current accounts affect your credit score?
Switching bank accounts can affect your credit score. Hard credit checks and overdraft applications will show on your credit report.
Read articleArticle written by Emma Lunn
4 min read
- Category: Credit Card
How can your credit card affect your credit score?
Using your credit card regularly and responsibly can boost your credit score. Paying late or missing a payment can lower your score.
Read articleArticle written by Emma Lunn
4 min read
- Category: Credit Card
Why is my credit score different on different sites?
You don’t have just one credit score. The three UK credit reference agencies each use different information and formulas to calculate your credit score.
Read articleArticle written by Emma Lunn
3 min read
- Category: Credit Card
Does changing address affect your credit score?
Simply moving house won’t affect your credit score. But missed payments or too many credit applications at your new address could have a negative effect.
Read articleArticle written by Emma Lunn
3 min read
- Category: Credit Card
Does Universal Credit affect your credit score?
Being on Universal Credit will not affect your credit score as your score is calculated based on your borrowing history and debts, not your source of income.
Read articleArticle written by Emma Lunn
4 min read
- Category: Credit Card
What is residual interest?
Learn what residual interest is, how it works, and how it differs from regular interest. Understand how residual interest can still accumulate on your credit card balance even after making a payment and discover practical tips to avoid it.
Read articleArticle written by Fiona Peake
3 min read
- Category: Credit Card
Can you get a joint credit card?
A joint credit card could help you keep track of shared spending. Understand how a joint credit card works and who is responsible for repaying the debt.
Read articleArticle written by Fiona Peake
3 min read
- Category: Credit Card
Does applying for a credit card affect your credit score?
Learn how applying for a credit card can impact your credit score. Discover the short-term effects of a hard search and how responsible card usage can help improve your score over time.
Read articleArticle written by Fiona Peake
3 min read
- Category: Credit Card
How do credit cards work?
Understand how credit cards work, including borrowing, billing, interest, and their impact on your credit score. Learn about different card types, costs, and tips for responsible use to make informed financial decisions.
Read articleArticle written by Fiona Peake
5 min read
